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*CLASSES FOR PROMISE PARTICIPANTS*




MD CASH Academy classes are for adults who want to learn more about managing their financial lives.  We offer a wide range of classes for people who are interested in budgeting, managing debt, saving for the future, filing their taxes or managing their insurance. Our Educators and Partners provide fact based financial education without providing financial advice or selling any products or services. 
 
You must complete our free registration on the site in order to be able to sign-up for one of our classes online.

Upcoming events

    • 01 Jun 2015
    • 6:00 PM - 8:00 PM
    • Enoch Pratt Free Library, 3801 Erdman Ave.

    REGISTRATION IS A MUST!

    Call 410-485-8422


    *Dinner is provided


    Sponsored by Belair-Edison Neighborhoods, Inc.

    • 02 Jun 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 03 Jun 2015
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877
    • 23
    Description: Spending wisely, budgeting, planning your income & expenses…whatever you call it, spending wisely is about making the most of your income, expenses, and savings.

    Participants will learn:
    -How to assess your money values/habits
    -Participants will learn how to create a Spending Plan
    -Set financial goals, manage banking accounts
    with financial institutions, and
    -Financial records organization and tips to save money.

    This class is provided by:

    Family Services, Inc., www.familyservicesagency.org.

    A Spanish translator will be available during this presentation.

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."  

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 03 Jun 2015
    • 11:30 AM - 12:30 PM
    • 417 East Fayette Street, 10th Floor, Baltimore, MD 21202

    LEARN HOW TO BUY CITY-OWNED PROPERTY

     

    The City offer a variety of properties for buyers interested in building or rehabbing for home-ownership or investment purposes.  Join us for the LEARN HOW TO BUY: Information Session; a brief overview on how to purchase a vacant property from the City of Baltimore.

     

    For the “LEARN HOW TO BUY: Information Session” availability and registration, please call 410-396-4111Registration is Required.


    Here is some information:

    Side Yard Brochure


    • 04 Jun 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 06 Jun 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 06 Jun 2015
    • 10:00 AM - 4:00 PM
    • 12320 Parklawn Drive Rockville, MD 20852

    REGISTRATION: Please contact AAHC

    to reserve your seat


    *There is $50 fee- includes a "Manual for homebuyer" and a 2 hour one-on-one counseling and a certificate.

     

    (301) 760-7636

    www.aa-hc.org


    Why do I need to take the First Time Homebuyer Education Class?

     

    When you apply for Local/County/State mortgage programs, down payment assistance, or some lenders’ mortgage programs, you are required to complete a first time homebuyer (or homeownership) education class and obtain a certification. AAHC is in compliance with their requirements and we issue a certification at the completion of the class.


    You will learn Homebuying Steps from Start to Finish & How to Stay on Track as a Responsible Homeowner, including:

    • ​Personal Finance
    • Developing a spending plan to meet your financial goals
    • Understanding Credit
    • Working with the Lender and Real Estate Agent
    • Home Inspection and the role of the Inspector
    • Understanding Settlement Procedures

    • 10 Jun 2015
    • 10:00 AM - 12:00 PM
    • 10 Distillery Dr. Suite G1, Westminster, MD 21158
    • 20

    Description: 

    This is a hands on workshop that will help you read and understand the information found on your credit report. You will have an opportunity to pull and review your credit report during the workshop. You will learn about valuable tools and resources to help you become more credit savvy.  

    Partner Information:

    Human Services Programs of Carroll County, Inc. (HSP)
    HSP is Carroll County's Community Action Agency and is committed to providing assistance with basic needs to low-income, at-risk citizens of Carroll County. HSP offers both short-term emergency services, such as energy assistance, and longer-term services like financial education and workforce development. 
    • 10 Jun 2015
    • 1:30 PM - 2:30 PM
    • 417 East Fayette Street, 10th Floor, Baltimore, MD 21202

    LEARN HOW TO BUY CITY-OWNED PROPERTY

     

    The City offer a variety of properties for buyers interested in building or rehabbing for home-ownership or investment purposes.  Join us for the LEARN HOW TO BUY: Information Session; a brief overview on how to purchase a vacant property from the City of Baltimore.

     

    For the “LEARN HOW TO BUY: Information Session” availability and registration, please call 410-396-4111Registration is Required.


    Here is some information:

    Side Yard Brochure


    • 11 Jun 2015
    • 2:30 PM - 3:30 PM
    • 417 East Fayette Street, 10th Floor, Baltimore, MD 21202

    LEARN HOW TO BUY CITY-OWNED PROPERTY

     

    The City offer a variety of properties for buyers interested in building or rehabbing for home-ownership or investment purposes.  Join us for the LEARN HOW TO BUY: Information Session; a brief overview on how to purchase a vacant property from the City of Baltimore.

     

    For the “LEARN HOW TO BUY: Information Session” availability and registration, please call 410-396-4111Registration is Required.


    Here is some information:

    Side Yard Brochure


    • 15 Jun 2015
    • 10:00 AM - 12:00 PM
    • 10 Distillery Dr. Suite G1, Westminster, MD 21158
    • 20
    Description: 
    This is an educational workshop that will teach you how to create and start using a budget to help manage your finances. You will learn basic money management and budgeting skills, as well as receiving assistance setting up your personal budget. Ongoing budget coaching is available to keep you and your budget on track after attending the workshop. 

    Partner Information:

    Human Services Programs of Carroll County, Inc. (HSP)
    HSP is Carroll County's Community Action Agency and is committed to providing assistance with basic needs to low-income, at-risk citizens of Carroll County. HSP offers both short-term emergency services, such as energy assistance, and longer-term services like financial education and workforce development. 
    • 16 Jun 2015
    • 6:00 PM - 7:00 PM
    • Enoch Pratt Central Library, Poe Room, 400 Cathedral Street, Baltimore, MD 21201

    Ready to achieve your financial goals?

    Learn about Baltimore CASH Campaign's FREE Financial Coaching Program.
    Meet a trained financial coach and learn more about what financial coaching is
    and why it will work for you!
    Refreshments and snacks provided.


    Tuesday, June 16
    6:00 - 7:00 PM
    Enoch Pratt Central Library
    Poe Room
    400 Cathedral Street
    Baltimore, MD 21201

    Please RSVP by Friday, May 12
    Lauren Stadnick, Financial Coaching Coordinator
    (443) 692- 9423 or Lauren@baltimorecash.org
    • 16 Jun 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 17 Jun 2015
    • 6:30 PM - 7:30 PM
    • Southeast Anchor Library, 3601 Eastern Ave., Baltimore, MD 21224
    Now that you own your vacant property, where do you start? Join us as we discuss the step by step process, from permit requests to obtaining the final occupancy certificate and everything in between.

    Register online @ vacantstovalue.org/events
    or call 410-396-4111

    • 18 Jun 2015
    • 1:30 PM - 2:30 PM
    • 417 East Fayette Street, 10th Floor, Baltimore, MD 21202

    LEARN HOW TO BUY CITY-OWNED PROPERTY

     

    The City offer a variety of properties for buyers interested in building or rehabbing for home-ownership or investment purposes.  Join us for the LEARN HOW TO BUY: Information Session; a brief overview on how to purchase a vacant property from the City of Baltimore.

     

    For the “LEARN HOW TO BUY: Information Session” availability and registration, please call 410-396-4111Registration is Required.


    Here is some information:

    Side Yard Brochure


    • 20 Jun 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 23 Jun 2015
    • 10:00 AM - 11:30 AM
    • PNC Bank, 261 E. Main St., Westminster, MD
    • 20

    Description: 

    This valuable financial workshop is porvided courtesy of PNC Bank. In this workshop you will learn basic concepts regarding banking, budgeting, understanding your credit and identity theft prevention. You will also have an opportunity to learn about fair banking options and the latest banking products and services. PNC Bank will award you a Certificate of Completion for attending this workshop. 

    Partner Information:

    Human Services Programs of Carroll County, Inc. (HSP)
    HSP is Carroll County's Community Action Agency and is committed to providing assistance with basic needs to low-income, at-risk citizens of Carroll County. HSP offers both short-term emergency services, such as energy assistance, and longer-term services like financial education and workforce development. 
    • 23 Jun 2015
    • 5:00 PM - 7:00 PM
    • Wicomico Public Library 122 S. Division Street Salisbury, MD 21801


    Come to this interactive and fun workshop to explore your money values and habits, learn how to create manageable financial goals and create a Spending Plan which will set you on the path to meeting your goals!


    Light refreshments provided


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 24 Jun 2015
    • 10:00 AM - 12:00 PM
    • 10 Distillery Dr. Suite G1, Westminster, MD 21158
    • 20

    Description: 

    This is a hands on workshop that will help you read and understand the information found on your credit report. You will have an opportunity to pull and review your credit report during the workshop. You will learn about valuable tools and resources to help you become more credit savvy.  

    Partner Information:

    Human Services Programs of Carroll County, Inc. (HSP)
    HSP is Carroll County's Community Action Agency and is committed to providing assistance with basic needs to low-income, at-risk citizens of Carroll County. HSP offers both short-term emergency services, such as energy assistance, and longer-term services like financial education and workforce development. 
    • 24 Jun 2015
    • 12:30 PM - 2:00 PM
    • Waystation Office, 8950 Route 108 Suite 115 Columbia, MD 21045


    Come to this interactive and fun workshop to explore your money values and habits, learn how to create manageable financial goals and create a Spending Plan which will set you on the path to meeting your goals!


    Light refreshments provided


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 25 Jun 2015
    • 2:00 PM - 3:00 PM
    • 10 Distillery Dr. Suite G1, Westminster, MD 21158
    • 20
    Description: 
    Are you interested in learning new tips and tricks that will help you save money? Do you have advice you would like to share on how you have successfully saved money or cut expenses in your household? Would you like to meet new people who are interested in activities like bargain shopping and coupon clipping? Come to our monthly Budget Club meeting and start saving!

    Partner Information:

    Human Services Programs of Carroll County, Inc. (HSP)
    HSP is Carroll County's Community Action Agency and is committed to providing assistance with basic needs to low-income, at-risk citizens of Carroll County. HSP offers both short-term emergency services, such as energy assistance, and longer-term services like financial education and workforce development. 
    • 25 Jun 2015
    • 5:00 PM - 7:00 PM
    • Dri-Dock Recovery and Wellness Center 206 Sunburst Highway Cambridge, MD 21613


    Come to this interactive and fun workshop to explore your money values and habits, learn how to create manageable financial goals and create a Spending Plan which will set you on the path to meeting your goals!


    Light refreshments provided


    This class is open to only MD PROMISE participants and their families.  MD PROMISE provides services at no-cost to youth ages 14-16 who are receiving Supplemental Security Income (SSI) benefits and their families.  The goal of these services is to help youth and their families get an education or training, find work, and access other resources to reach their goals.


    Sponsored by MD PROMISE and Way Station. 


    If you need any assistance to attend this class, feel free to ask your MD PROMISE Case Manager



    • 25 Jun 2015
    • 5:00 PM - 8:00 PM
    • Neighborhood Housing Services 25 E. 20th Street, Suite 170, Baltimore MD. 21218

    The Financial Fitness Workshop does not count toward your required 8 hours Homebuyers Education Class.


    NO CERTIFICATE ISSUED.


    TO REGISTER CLICK HERE.

    • 25 Jun 2015
    • 6:30 PM - 7:30 PM
    • Southeast Anchor Library, 3601 Eastern Ave., Baltimore, MD 21224
    Learn about the many grants and loans available to help first-time home buyers at the settlement table. Hear information about the $10,000 Vacants to Value Booster Grant as well as other incentives
    available to home buyers. 

    Register online @ vacantstovalue.org/events
    or call 410-396-4111

    • 26 Jun 2015
    • 6:30 PM - 7:30 PM
    • Eastern Avenue Housing Property, 506 62nd Pl., Seat Pleasant, MD 20743
    • 25

    You will learn:

     How and Why to Credit Report

     Understand Your Credit Score

     Dispute Errors

     Shop Around for Credit

     Learn Ways to Build or Rebuild Credit

     

    This class will be taught by Sue Rogan, Director of Financial Education at Maryland CASH (Creating Assets, Savings, and Hope) Campaign, and Volunteer Financial Educator, Muata Jordan Langley, Founder and Managing Director of NPO 360 Solutions.


    • 29 Jun 2015
    • 10:00 AM - 12:00 PM
    • 10 Distillery Dr. Suite G1, Westminster, MD 21158
    • 20
    Description: 
    This is an educational workshop that will teach you how to create and start using a budget to help manage your finances. You will learn basic money management and budgeting skills, as well as receiving assistance setting up your personal budget. Ongoing budget coaching is available to keep you and your budget on track after attending the workshop. 

    Partner Information:

    Human Services Programs of Carroll County, Inc. (HSP)
    HSP is Carroll County's Community Action Agency and is committed to providing assistance with basic needs to low-income, at-risk citizens of Carroll County. HSP offers both short-term emergency services, such as energy assistance, and longer-term services like financial education and workforce development. 
    • 06 Jul 2015
    • 6:00 PM - 8:00 PM
    • Enoch Pratt Free Library, 3801 Erdman Ave.

    REGISTRATION IS A MUST!

    Call 410-485-8422


    *Dinner is provided


    Sponsored by Belair-Edison Neighborhoods, Inc.

    • 08 Jul 2015
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 25
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    Participants will learn:
    -All about credit scores
    -How to get a credit report
    -How to rebuild credit
    -How to choose loan products
    -Ways to avoid predatory loans, as well as
    -How to manage debt.

    A Spanish translator will be available during this presentation.

    This class is provided by:Family Services, Inc., www.familyservicesagency.org

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors." 

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 11 Jul 2015
    • 10:00 AM - 4:00 PM
    • 12320 Parklawn Drive Rockville, MD 20852

    REGISTRATION: Please contact AAHC

    to reserve your seat


    *There is $50 fee- includes a "Manual for homebuyer" and a 2 hour one-on-one counseling and a certificate.

     

    (301) 760-7636

    www.aa-hc.org


    Why do I need to take the First Time Homebuyer Education Class?

     

    When you apply for Local/County/State mortgage programs, down payment assistance, or some lenders’ mortgage programs, you are required to complete a first time homebuyer (or homeownership) education class and obtain a certification. AAHC is in compliance with their requirements and we issue a certification at the completion of the class.


    You will learn Homebuying Steps from Start to Finish & How to Stay on Track as a Responsible Homeowner, including:

    • ​Personal Finance
    • Developing a spending plan to meet your financial goals
    • Understanding Credit
    • Working with the Lender and Real Estate Agent
    • Home Inspection and the role of the Inspector
    • Understanding Settlement Procedures

    • 16 Jul 2015
    • 3:00 PM - 4:00 PM
    • 417 East Fayette Street, 10th Floor, Baltimore, MD 21202

    LEARN HOW TO BUY CITY-OWNED PROPERTY

     

    The City offer a variety of properties for buyers interested in building or rehabbing for home-ownership or investment purposes.  Join us for the LEARN HOW TO BUY: Information Session; a brief overview on how to purchase a vacant property from the City of Baltimore.

     

    For the “LEARN HOW TO BUY: Information Session” availability and registration, please call 410-396-4111Registration is Required.


    Here is some information:

    Side Yard Brochure


    • 18 Jul 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 22 Jul 2015
    • 1:30 PM - 2:30 PM
    • 417 East Fayette Street, 10th Floor, Baltimore, MD 21202

    LEARN HOW TO BUY CITY-OWNED PROPERTY

     

    The City offer a variety of properties for buyers interested in building or rehabbing for home-ownership or investment purposes.  Join us for the LEARN HOW TO BUY: Information Session; a brief overview on how to purchase a vacant property from the City of Baltimore.

     

    For the “LEARN HOW TO BUY: Information Session” availability and registration, please call 410-396-4111Registration is Required.


    Here is some information:

    Side Yard Brochure


    • 23 Jul 2015
    • 1:30 PM - 2:30 PM
    • 417 East Fayette Street, 10th Floor, Baltimore, MD 21202

    LEARN HOW TO BUY CITY-OWNED PROPERTY

     

    The City offer a variety of properties for buyers interested in building or rehabbing for home-ownership or investment purposes.  Join us for the LEARN HOW TO BUY: Information Session; a brief overview on how to purchase a vacant property from the City of Baltimore.

     

    For the “LEARN HOW TO BUY: Information Session” availability and registration, please call 410-396-4111Registration is Required.


    Here is some information:

    Side Yard Brochure


    • 29 Jul 2015
    • 11:30 AM - 12:30 PM
    • 417 East Fayette Street, 10th Floor, Baltimore, MD 21202

    LEARN HOW TO BUY CITY-OWNED PROPERTY

     

    The City offer a variety of properties for buyers interested in building or rehabbing for home-ownership or investment purposes.  Join us for the LEARN HOW TO BUY: Information Session; a brief overview on how to purchase a vacant property from the City of Baltimore.

     

    For the “LEARN HOW TO BUY: Information Session” availability and registration, please call 410-396-4111Registration is Required.


    Here is some information:

    Side Yard Brochure


    • 01 Aug 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 23
    Description: Increasingly, households across America are cutting costs and saving money. This workshop will explore common and not-so-common ways to maximizing your spending plan so you can "pump up your piggy bank" with savings.

    We'll discuss:
    • The pros and cons of various savings tools (from stashing the cash at home to savings bonds and bank deposit accounts)
    • The distinction between "spending less" and "saving," and
    • The wonders of compound interest. 
    Don't miss out on this exciting conversation about savings!

    • 03 Aug 2015
    • 6:00 PM - 8:00 PM
    • Enoch Pratt Free Library, 3801 Erdman Ave.

    REGISTRATION IS A MUST!

    Call 410-485-8422


    *Dinner is provided


    Sponsored by Belair-Edison Neighborhoods, Inc.

    • 05 Aug 2015
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 25
    Description: The Federal Trade Commission reports that nearly 9 million Americans have their identities stolen every year. Don’t be one of these statistics. Learn how you can better protect your information and ultimately, your identity.

    Participants will learn:
    -Ways to make smart consumer choices, whether buying at thrift stores, shopping for a car, household items,  groceries or saving money, and
    -How to avoid common consumer scams such as ID
    Theft, Work at Home scams, Credit Repair scams and more.

    This class is provided by: Family Services, Inc.,www.familyservicesagency.org

    A Spanish translator will be available during this presentation.

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."  

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 06 Aug 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25
    Description: Increasingly, households across America are cutting costs and saving money. This workshop will explore common and not-so-common ways to maximizing your spending plan so you can "pump up your piggy bank" with savings.

    We'll discuss:
    • The pros and cons of various savings tools (from stashing the cash at home to savings bonds and bank deposit accounts)
    • The distinction between "spending less" and "saving," and
    • The wonders of compound interest. 
    Don't miss out on this exciting conversation about savings!

    • 15 Aug 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 22 Aug 2015
    • 10:00 AM - 4:00 PM
    • 12320 Parklawn Drive Rockville, MD 20852

    REGISTRATION: Please contact AAHC

    to reserve your seat


    *There is $50 fee- includes a "Manual for homebuyer" and a 2 hour one-on-one counseling and a certificate.

     

    (301) 760-7636

    www.aa-hc.org


    Why do I need to take the First Time Homebuyer Education Class?

     

    When you apply for Local/County/State mortgage programs, down payment assistance, or some lenders’ mortgage programs, you are required to complete a first time homebuyer (or homeownership) education class and obtain a certification. AAHC is in compliance with their requirements and we issue a certification at the completion of the class.


    You will learn Homebuying Steps from Start to Finish & How to Stay on Track as a Responsible Homeowner, including:

    • ​Personal Finance
    • Developing a spending plan to meet your financial goals
    • Understanding Credit
    • Working with the Lender and Real Estate Agent
    • Home Inspection and the role of the Inspector
    • Understanding Settlement Procedures

    • 03 Sep 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 29

    Description:

    Have you ever dreamed about starting your
    own business but don’t know where to begin?
    This free workshop can help you make
    your dream a reality!

    Join Maryland CASH Campaign and UEDC 
    to learn how to start your own small business
    or legal side hustle!

    Topics to be Covered:
    How to structure your business
    Understanding business tax basics
    Community resources to help you get started


    Take charge of your financial future!

    • 05 Sep 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Have you ever dreamed about starting your
    own business but don’t know where to begin?
    This free workshop can help you make
    your dream a reality!

    Join Maryland CASH Campaign and UEDC 
    to learn how to start your own small business
    or legal side hustle!

    Topics to be Covered:
    How to structure your business
    Understanding business tax basics
    Community resources to help you get started


    Take charge of your financial future!

    • 19 Sep 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 01 Oct 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Are you finding that you are not completely sure where your money goes each month? 


    This workshop shows you how to manage your money by preparing a personal spending plan and identifying ways to decrease spending and increase income. Also helps identify ways you can save.

    • 03 Oct 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Are you finding that you are not completely sure where your money goes each month? 


    This workshop shows you how to manage your money by preparing a personal spending plan and identifying ways to decrease spending and increase income. Also helps identify ways you can save.

    • 17 Oct 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 05 Nov 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: No matter your net worth, it's important to have a basic estate plan in place. This free workshop can help you understand what you need to know about estate planning, including why you may need a will and assigning a power of attorney.

    • 07 Nov 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: No matter your net worth, it's important to have a basic estate plan in place. This free workshop can help you understand what you need to know about estate planning, including why you may need a will and assigning a power of attorney.

    • 21 Nov 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 03 Dec 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 05 Dec 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 19 Dec 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



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